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Commercial Mortgages - Specialist vs. High Street Lenders

Commercial Mortgages - Specialist vs. High Street Lenders
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Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin20 Apr 2020

Commercial Mortgages: Specialist vs. Mainstream

Finding the best lender for your commercial mortgage, whether for an investment or as an owner-occupier, can be a minefield for businesses. Revolution Finance Brokers are on hand to help you make the best decisions, and provide access to the ideal mortgage solutions on the market.

To help understand the differences between specialist and mainstream lenders, please see below indicative comparisons. These estimates apply across all industry sectors.

Commercial owner-occupier mortgage

Specialist lender

Mainstream lender

  • Lending up to fourteen times adjusted profit figure
  • Interest starts at 3.54% over Libor
  • Interest-only repayment options for the first ten years
  • Total lending term up to twenty-five years
  • Requires evidence of two years of experience from the applicant
  • Lending up to eight times adjusted profit figure
  • Interest starts at 1.9% over base rate
  • Total lending terms up to twenty-five years
  • Interest-only repayments considered in individual cases
  • Inexperienced first-time owner-occupiers considered

Commercial investment mortgage

Specialist lender

Mainstream lender

  • Lending at up to 75% LTV ratio
  • Interest rates from 3.54% over Libor
  • Interest-only repayment options for the first ten years
  • Total loan term up to twenty-five years
  • First-time applicants considered
  • Lending at up to 50% LTV ratio
  • Interest rates from 2.5% over base rate
  • Total loan term up to twenty-five years
  • Interest-only repayments considered in individual cases
  • First-time applicants considered

If you need support to choose your mortgage or would like a more in-depth comparison between your options, give us a call! 0330 304 3040 [email protected]

Contact us now to discuss your personal options, Revolution Finance Brokers specialise in commercial and residential finance in Essex, Kent, London and Hertfordshire.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.